Huntington, WV · Charter 1463
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.36% | 0.00% | 0.12% | 0.15% | 0.18% | 0.30% | 0.19% | +7 bps | |
| Return on Equity | 1.59% | 1.47% | 0.00% | 0.47% | 0.59% | 0.73% | 1.24% | 0.76% | +29 bps | |
| Net Interest Margin | 3.06% | 3.08% | 2.57% | 2.98% | 3.08% | 3.24% | 3.16% | 3.34% | +36 bps | |
| Efficiency Ratio | 87.57% | 88.62% | 100.00% | 96.22% | 95.31% | 94.45% | 90.55% | 94.51% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.24% | -6.57% | -4.03% | -2.51% | -1.17% | -2.31% | -1.30% | 1.20% | +371 bps | |
| Loan Growth (YoY) | -20.17% | -23.58% | -27.09% | -24.04% | -17.17% | -6.16% | 1.30% | 7.16% | +3,120 bps | |
| Share Growth (YoY) | -6.29% | -5.35% | -3.90% | -3.50% | -1.84% | -3.39% | -2.09% | 1.12% | +462 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 1.99% | 0.91% | 4.47% | 5.08% | 2.78% | 0.78% | 1.99% | -249 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.33% | 1.43% | 1.47% | 1.49% | 1.42% | 1.14% | 1.00% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.46% | 24.40% | 23.87% | 24.41% | 24.95% | 25.19% | 24.44% | 24.33% | -8 bps | |
| Net Worth / Assets | 24.46% | 24.40% | 23.87% | 24.41% | 24.95% | 25.19% | 24.44% | 24.33% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.36% | 86.84% | 78.17% | 78.13% | 79.62% | 84.35% | 80.88% | 82.80% | +467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |